Get that 'Dr' on your chequebook tomorrow, Nicky. One needs all the help one can get with bank managers.

And welcome to the club.

You may find that a certain sense of

"Err.. is that all there is?"

(to a PhD)

- comes upon you post-viva, but it is still an achievement worth celebrating. And it's something you earned. My dad eventually made it to be a Professor, but he always stuck to "Dr." for the reason that it was the one that he really felt had the most to do with his own blood, sweat, tears, etc.